Beth Brannan's Blog Posts

There are some obvious things that can hurt a credit score: paying your bills late, using too much available credit in proportion to your income, and defaulting on a loan. Some other financial

Local governments and school districts raise a large portion of the money that goes toward paying for education, emergency services, transportation and other public goods through property taxes. The

A home’s roof is its most important feature, and for good reason. If the roof leaks or is damaged in some way, it can lead to a host of problems — and insurance claims.Many home

More space is one of the must-haves of just about everyone looking for a home, but if you happen to have a home on the market that has tiny rooms, it doesn’t mean there won’t be any

If you’re searching for a new home, you might want to consider looking in a subdivision. You could find a house with amenities that homes in other neighborhoods lack, but there are some

As new homeowners will learn, borrowers need to provide their lender with proof of homeowners insurance for the full value of the property (usually the purchase price) in order to be approved for

With rent rising and family sizes decreasing, millennials have started to opt for smaller alternatives when it comes to real estate. Maybe the trend came from IKEA showrooms, the micro-housing wave,

Homeownership is a dream for many people, but some take on more debt than they should. If you’re thinking about buying a house, consider your income and current and potential expenses.How

Eco-friendly features are all the rage today as homeowners commit to living greener lives. But for those looking to reduce their carbon footprint, where do you begin?For many, the answer is the

One feature that many people look for when buying a home is a fireplace, but not everyone understands what exactly goes into getting a nice fire roaring.Knowing the terms can help. For instance, the

Eye-catching yards can increase a home’s curb appeal and boost its value, but gardening and lawn care account for a large chunk of household water consumption. The good news is that, whether

Homeowners insurance is supposed to cover catastrophes such as fires, hurricanes and a tree falling through the roof. But there are some much lesser problems that a typical insurance policy can.

Mortgage lenders typically want borrowers to put down 20 percent of the purchase price toward a home. For borrowers who do not have a lot of money for a down payment, it can be difficult to qualify

If you need money for home improvements, college tuition or another purpose, you might be able to secure funds with favorable terms through a second mortgage. Before you do so, it’s important

When someone passes away, his or her house is generally left to a family member. Figuring out what to do after inheriting a house can be confusing and overwhelming, particularly when it is

When it comes time to list your home on the market, the decision to sell shouldn’t be taken lightly. Rather than asking your Magic 8 Ball whether now’s the time to pack up your

Kitchen countertops are some of the most frequently used surfaces in a house. They are made to withstand years of wear and tear, but certain common mistakes can damage them. Since kitchen counters

When’s the last time you paid attention to your lights, switches and fixtures?They may seem like little things, but when selling a home, everything counts, so putting some thought into your

When the day is done, nothing is more relaxing than retiring to your bedroom. Unless, of course, your bedroom isn’t a calming space. Below are several tips for designing a sleeping space that

If you have ever owned any stainless steel products, you know how beautiful and appealing the look can be. Stainless steel appliances give a renovated kitchen that POP! it needs, while steel also

Every year in the U.S., fire kills over 3,000 people, injures thousands more and causes billions of dollars of damage. House fires are a major contributor to those horrific statistics, which is why

Affordability is a big issue for renters looking toward homeownership. Beyond the purchase price, putting together a 20 percent down payment is a big roadblock for many people.It doesn’t have

If you need financing to buy a house, one option you might consider is a balloon mortgage. It offers lower interest rates and monthly payments than some other types of loans, but it’s

You probably have a room in your house that doesn’t get used much or is just acting as storage for your “extra” stuff. Empty nesters are especially prone to having a bedroom that

So you’re looking for a home loan? Before you find yourself up to your knees in brand new terminology, brush up on these common phrases:FICO scoreThese are the credit scores that the majority

Many people enjoy the convenience of living in a city or in the suburbs, with easy access to stores and entertainment and with neighbors nearby. For others, the idea of being surrounded by nature

Smart home technology is improving life for everyone, even your furry little friends. These days, there are tons of products available for pets who live in the lap of luxury, from smart feeders that

Most people expect to pay off their mortgage and live in their house during retirement. Unfortunately, life doesn’t always go according to plan. If a homeowner dies before paying off the

Break-ins occur every day across the U.S., resulting in property damage, theft and, in some cases, injuries. The unfortunate reality is that anyone can become a victim; however, studies have found

According to a recent HomeAdvisor research report, Americans spent on average $564-$2,260 to install a home automation system, with prices ranging as high as $15,000 to install a hard-wired system.

Attic fans, also called full house fans, can be an effective and cost-efficient way to cool a home. They bring in cooler air from outside through vents and push the hot air outside. Doing this means

A 30- or 15-year, fixed-rate mortgage with the same payment amounts each month is one of the most common ways to buy a home—but not everyone can qualify for a traditional mortgage, or has the

Air quality has a direct impact on our health, both in and outside of our homes. While much is being done to improve the air outdoors, maintaining a healthy level of air quality inside is evenly

If you’ve owned a home for several years and made responsible financial decisions, you may have built a significant amount of equity. Home equity is the difference between the current market

Siding is a critical component of a home that protects it from extreme temperatures, rain, snow and wind. Although siding is designed to last many years, it can become damaged over time by repeated

Coming up with the down payment on a home can be hard enough, and one way to make a home more affordable is to spread out the mortgage payments over 30 years.But 30 years can be daunting, and that

Applying for a mortgage to buy the house of your dreams can be a daunting process. You have to submit an application, paystubs, tax returns and other documentation. In addition, the lender will base

Shopping for a home loan? It’s best to do it within 30 days of a credit pull so your score doesn’t drop.When you apply for credit, such as a car or home loan, you authorize lenders to

If your kids have moved out, you might realize that it doesn’t make financial sense to stay in a house with several empty bedrooms. You might be tired of maintaining a large home, or you might

If a kitchen renovation is on your radar screen, and you plan to stay in your home long-term, you can figure on spending $20,000 or more – especially if you plan to rip out counters and re

Energy loss attributed to windows accounts for nearly 25 percent of the annual heating and cooling costs for the average American home, according to the Department of Energy. Do double-paned windows

Many hopeful homeowners may get confused by the terms “modular” and “manufactured” when it comes to property types. And while modular and manufactured homes tend to get used

f you’re thinking about purchasing an expensive home, it’s important to understand how jumbo and conforming loans differ, and the pros and cons of each. Choosing carefully could help you

Tiny homes don’t cost much, but they can require a tiny mortgage.Unless you have $30,000 in cash to buy the average tiny home of 200 square feet, it can be difficult, if not impossible, to get

With about 56.7 million people living with a disability in the United States, according to Census Bureau data, there are plenty of disabled people who may need help buying a home.The good news is,

If you’re going to rent a truck when moving, one of the first questions the clerk will ask you is: Do you want to buy the optional insurance we offer?While your auto, homeowners or renters

If you’re buying a home, you’ll more than likely be obtaining a mortgage, which you may not know much about. In fact, unless you’ve been involved in a home sale before, there are

Buying a home is expensive enough. Filling it up with things you need adds to the cost, and spending more money to replace those things leads to more bills.Extending the lifespan of household items

A backyard pool can look like a lot of fun when you’re house-hunting. Summer days full of swimming and splashing around your pool can be great fun, but sooner or later you’re going to

If you’re between jobs or retired—or not working and considering retirement—you can still buy a home and get a mortgage that will require you to make monthly payments.While you don

Now that the dust has settled and your belongings are put away, it’s time to get a lay of the land. Whether you moved a few houses down the street or across state lines, settling into a new

Taxes are an unfortunate fact of life. However, the tax code includes several provisions that can help homeowners save money when it’s time to file their returns. Making improvements to your

If you’re overwhelmed by the cost of your mortgage or the amount of time you spend cleaning and maintaining your home, or if your kids have moved out and you have more space than you need, you

Carbon monoxide poison is a silent danger that claims over 400 lives in the U.S. annually, as well as over 20,000 visits to the emergency room, according to the Centers for Disease Control and

Paying less than 20 percent on a down payment on a house will likely require buying private mortgage insurance by the lender.The insurance, called PMI for short, is used to reimburse the bank if you

Shopping for a mortgage can be overwhelming. Even if you’ve owned a few homes and have had a few home loans, chances are there are some mortgage options you don’t know about.Here are

The Department of Veterans Affairs (VA) assists active-duty military members, veterans and surviving spouses who wish to buy a house. The VA offers loans with fewer fees and competitive interest

Buying a home on two incomes can be difficult enough, but it can be even more demanding if one spouse has poor credit.A poor credit score can make it difficult to qualify for a mortgage, leading to

New buyers can get overwhelmed by the additional expenses incurred during homeownership. Besides making monthly mortgage payments, homeowners may have to pay for gardening, pest control, pool

If you’re shopping for a mortgage, you need to decide whether to choose one with a fixed or adjustable interest rate. An adjustable-rate mortgage, or ARM, might be a good idea if you’re

When you were shopping for a house, you were probably so focused on the number of bedrooms, the size of the living room and the layout of the kitchen that you didn’t give much thought to the

Buying a home often requires years of saving for a down payment, which is money that a buyer pays upfront toward the cost of a house. This is the immediate equity that a buyer has when purchasing a

In the wake of Hurricanes Harvey and Irma, the latest storms to devastate thousands of American homes, homeowners may find themselves wondering whether to consider flood insurance.For those in areas

Title insurance can be one of those things that someone says you need when you buy a home, but you don’t understand why.Without it, you could be left with a nagging question in the back of

  Often, those looking to purchase an additional home get confused between a second home and an investment property. However, the two are not interchangeable – especially when it comes to

Becoming a homeowner doesn’t equip you with the basics of household know-how, although time and experience will likely teach you how to tighten up a leaky faucet. But technicians say that up

Do you dream of a light, airy living space? Do you want to feel like you’re living inside of a cloud? Below are five tips for a lighter living space, now.Paint it white. Well this is an

Hopeful homeowners applying for a loan who aren’t able to put 20% down upfront may be hearing their lender talk about Private Mortgage Insurance, or PMI. A PMI comes into play when a buyer,

If you don’t pay your property tax bill, expect your lender to reach out.Property taxes can be one of those homeownership costs that you don’t think about when shopping for a home. But

We are living in a technology-driven world, and your home’s connection with the digital world can be an important part of its appeal when it comes time to sell.It wasn’t all that long

There are many ways parents can help their children purchase a home: contributing to a down payment, helping with closing costs, co-signing a mortgage or allowing their kids to move back home so

Cracks in ceilings can be a sign of a larger problem, or they may be nothing but a cosmetic issue. But when selling a home, all flaws in the ceiling require attention.Most ceilings will develop a

How many times have you heard the story about people who move into their dream home only to find out that there’s a huge plumbing issue or noisy neighbors next door? Learn from their mistakes,

The amount due on a property tax bill is obviously the main thing that catches a homeowner’s eye—but there are other parts of the bill that should be checked for errors and confirmed as

When it comes to protecting our eyes against harsh, damaging UV rays, most of us think about popping on sunglasses for long days at the beach; however, it’s possible to incur UV damage right

The idea of putting a minimum of 20 percent down on a home is a myth that can keep some people from trying to buy a home.While it can be a great way to lower your mortgage payment and convince

House prices come with a lot of digits, but that shouldn’t scare you away from buying a home. A mortgage—as opposed to rent—allows you to slowly purchase your home over time. So,

If you’re thinking of becoming a homeowner, you’ve likely spent time budgeting for additional expenses – property taxes, lawn care, a big-screen TV to fill up that extra space

nterest rates remain low, though that’s no reason to stow your money under your mattress.Hiding your money at home won’t earn you any interest, and that’s one of the benefits&mdash

Anytime you move into a new home, one of the most important things to consider is the safety of your little ones. Baby-proofing your home may sound like a daunting task, but spending a little time

The idea of a splurge means different things to different people, depending, in great measure, on how much “discretionary income” you have to spend. But while the things we choose to

Knowing that you’re ready to buy a home can be an exhilarating feeling, except it’s often followed by panic. While experience is the best teacher, there are some things you can do to

Owning a tiny home can leave you debt-free, but it can still have some big costs.Buying a tiny home can be a way to get out from under the burden of a home loan—or at least lead to a smaller

Choosing a city to live in can be easy, but it can be a little more difficult to narrow it down to a neighborhood.Without leaving your couch, however, you can explore a neighborhood through these

Whether you’ve owned a home for years or are buying your first home, purchasing insurance can be confusing. Some of that confusion can come from policy myths that are often not true.If,

For veterans or service members looking to buy a home with a Veterans Affairs loan, there are some extra steps to take and home condition requirements that aren’t needed with other types

When applying for a home loan, it’s important to keep in mind how much monthly mortgage you can afford. Through the approval process, lenders will factor in your credit score, income and other

Those considering purchasing a new home may want to consider becoming a condo owner. Popular with every homeowner—from first-time buyers to retirees—condos offer many advantages over a

Many individuals are beginning to identify with minimalism, as rising costs in real estate have generated a need for creativity…at least when it comes to living space. According to U.S.

Paying off your mortgage early and living mortgage-free so you can use the money for other things—such as travel and an early retirement—can sound like a pipe-dream that’s

There are more materials, colors, and patterns available in kitchen countertops than ever before—and since many are close in price, the decision may be even harder.The product testers at

Closing costs are 2-5 percent of the purchase price of a home, resulting in an average of $3,700 in fees for paperwork required to buy a house. That’s a lot of money to come up with when you

Are you a bookworm? Do you want to give your home a chic update using what you already own? Perfect. Below are five tips for turning your favorite books into accents, centerpieces, and more.Stacks

From buying auto insurance to filing a claim, figuring out the language of auto insurance can be difficult. Why is your insurance agent recommending “gap insurance” and are “OEM

Regardless of the shade, adding elements of green to your home can improve your mood, complement your design, and more. Below are a few reasons to choose green for your interior design scheme.It

Like most homeowners, you probably have your water heater strapped down and you flush out the gutters every spring. But there are many other tips that make a big difference in terms of both safety

he average length of retirement in the United States is 18 years, according to the U.S. Census Bureau.How do retirees pay for those 18 years? Retirement plans vary, though most people

Studies have shown that looking at certain colors can impact your mood, so if you’re looking to brighten your days, look at the walls.OrangeThis color boosts social connection, so paint a wall

Between work, family, social lives and hobbies, it can be easy to forget to take care of ourselves. Below are a few things you can do to safeguard your physical and mental health:Call a FriendWhile

When the Fed raises or lowers interest rates, most borrowers with car and home loans won’t see their rates change because they’ve locked in rates. People getting new loans, however, will

The average bank fee for overdraft protection is $33. Make the mistake of not having enough money in your account when you write a check or buy something with a debit card, and you could pay a few

Having a student loan payment each month as a college graduate leaves little room in the budget to contribute to a retirement savings account.College grads without student loans are much more likely

The housing market appears to be undergoing a shift, and the new currency of home value is efficiency. This year, buyers will be increasingly focused on their bottom line and environmental

Whether you like a rustic, industrial or mod look in your space, the next time you’re considering an interior redesign, don’t miss out on decorating with wood.FloorsIf you can, wood

Making eco-friendly changes in the way we live may be easier than you think. Real Simple Magazine lists 10 little tips that can go a long way toward living a “greener” lifestyle:Start

Fixing a few of your home’s most likely trouble spots can improve energy efficiency and save you a bundle on utility bills. Consumer editors at ThisOldHouse.com provide a starting

A common phone call that new credit cardholders get from their bank is an offer for credit card add-on products, such as protection against fraud and identity theft. Payment protection is another

If you’ve just graduated from college, this is the perfect time to establish smart financial habits. With hopefully a full-time job awaiting, this is the time to establish habits you’ll

The fine print at the end of a credit card offer letter can tell a consumer a lot more about how good—or bad—the offer is than the main area of the marketing letter, where flashy photos

"Extremely cold temperatures – 10 to 20 degrees below normal – are driving unusually high energy demand across the East Coast, including the Carolinas. As a result, power supplies are

Unauthorized credit inquiries are a sign that someone has fraudulently applied for credit in your name. They can hurt your credit score and make your financial life more difficult until they&rsquo

Somewhere on your credit card statement—or maybe even on the back of the card—is contact information for a credit card concierge. The service is usually free, and while it isn’t

Most homeowners have weather-stripped their doors to maximize climate control, and have switched out traditional incandescent light bulbs with eco-friendly CFL models. Short of installing double

If you want to make an important purchase but do not currently have the money, you don’t necessarily have to put things on hold. If you own a house and have been paying your mortgage for

Per my representative:"A winter storm is expected to impact North Carolina’s 9th District this weekend. Forecasts are calling for freezing temperatures and ice accumulation that could make

Mold inside a house can cause serious health problems, including sinus irritation, congestion, headaches and respiratory difficulties. The health effects of mold are more serious in children,

Regardless of how much time you spend cleaning, there are likely to be a few places you overlook. Below are five frequently missed spaces that may need a little elbow grease.Baseboards. While

A cash-back credit card can result in 5 percent or more back on your purchases, essentially giving you a small discount for everything you buy with a credit card.But that perk can cost you some

Between your desk job, your social media accounts and your nightly Netflix-a-thon, those hours in front of a screen really stack up. Too much time in front of a screen can seriously damage your

The best way to improve your credit score is simple, but not always that easy: Reduce your debt.Paying off your credit cards, or at least paying them down substantially, will not only increase your

Paying your medical bill is one of the last things on your mind when you’re at a hospital emergency room. And how that bill could affect your credit score is probably much less of a concern.

Deciding where to live, if you’re going to have children, and who takes out the garbage are some of the big and small decisions newlyweds have to make together after the wedding gifts are put

Nowadays, it seems like just about everyone has a smartphone. Even young kids want them, and parents receive conflicting advice on whether phones are appropriate for children. Smartphones have

No matter how complex your computer password is, it isn’t enough to stop a thief from using other methods to steal your personal information if they find or steal your computer.A strong

You may have heard that people can get sick from cold weather. In a way, that’s true—medical studies have shown that many common viruses can reproduce faster and stay infectious longer

Rain, the bride falling into a pool, a wedding cake falling over, and deposit money that’s lost because the venue went out of business a week ago.What do all of these have in common? They;

Saving money can be difficult, and sometimes your frame of mind can hold you back. Here are some negative thoughts to overcome:I Don’t Make Enough Money to SaveYou are more than likely wrong

If you pay your credit card bill in full each month and don’t pay interest, you’re using your credit wisely.You’re not only getting a free 50-day loan through a credit card’s

Music is an integral part of life from an early age. Parents sing and play soothing music for babies to help them fall asleep. Music can help with intellectual development. When children begin

Reacting quickly is essential after you’ve been the victim of identity theft. It can lessen the damage by thieves and lower the stress of having your credit card lost or stolen.You may notice

You can buy almost anything through a subscription service today and have it delivered to your home. While the premise behind subscription services is enticing, they can cost you more in the long

Teaching children manners and how to tie their shoes is one thing, but financial lessons are often pushed to the wayside until it’s too late. Budgeting and financial planning should be a focus

If your partner brings poor credit to the relationship, it can be an issue you should probably fix together.A spouse’s poor credit score won’t hurt yours, and credit reports for both

Frigid arctic air is moving into the Carolinas late Sunday and will linger through Tuesday. Temperatures will drop well below freezing, with brisk winds adding to the chill. In addition to managing

A pet can become a beloved member of the family and a source of fun and companionship for everyone, but especially for children. If you’re planning to have a new pet join your family, the

Millennials are applying for credit cards more than most age groups, but they’re not qualifying for them, according to consumer behavior data by ID Analytics, a consumer risk management firm

Are you the type of person who likes to take their flower garden indoors? Indoor plants do more than simply add color to your space; they can also improve the mood of those who live with them. If&

Time to revisit some important winter weather reminders. When cold weather is predicted, remember to unhook your hoses from outdoor faucets after use and cover your outdoor faucets. In extreme cold,

Your purse or wallet can be more than just a place to pull your money out of so you can spend it. It can also store a few things to remind you to use less money, or at least use it well.Here are

Smart appliances can make life easier and more convenient. Since the technology is relatively new, many manufacturers are still working out problems and resolving glitches. Before you purchase a

Keeping track of every single dollar you spend can be difficult, no matter how closely you track your spending and monitor your bank accounts. Automatic payments from your checking account to pay

You just bought a new dishwasher, TV, tablet, refrigerator or other big-ticket item you’ve been wanting for months. The salesperson, or maybe even the cashier, asks if you’d like to add

Being a homeowner can be costly, but some expenses can be trimmed with regular maintenance. Since so many appliances run in the kitchen, it’s one of the best places to start.Here are some of

If you plan to repaint your interiors this year, don’t forget to pick a hue that will positively impact your mood. While bright red or neon green may be fun, they can subconsciously create

Other than your Social Security number, birthdays are one of the worst things to share online when registering for an account. If you’ve also given up your mother’s maiden name, you

For many of us, mom’s ‘use-it-up, make-it-last, wear-it-out’ mantra was our introduction to thriftiness—a traditional value that has largely been kicked to the curb due to a

Everything old is new again, and that goes for decorating with color. While the last decade in home décor has largely been defined by white and varying shades of beige and gray, today’s

Unauthorized credit inquiries are a sign that someone has fraudulently applied for credit in your name. They can hurt your credit score and make your financial life more difficult until they&rsquo

If you’re like many people, you tend to do at least a little work from home. Whether you full on run a business out of your living space or simply need a nook to work on your finances or groom

Wood floors are a top choice for modern homeowners. Proponents believe they offer warmth as well as elegance, but they do require care to maintain their luster and are costly. Fortunately, say

In the age of apps, there’s more to preserving the masterpieces your children create than just sticking them on the refrigerator.Eventually, the magnets will slip and something that’s

Reading books to your children is fun, and one of the great joys of parenthood is watching them learn to read by themselves.Lessons about personal finance and how money works can be included in

Do you have a room in your house that always seems dark no matter what? Perhaps it’s due to low ceilings or minimal windows. Maybe the walls are painted a darker color than you would like.

Most of us spend a lot of time in the kitchen, preparing meals and cleaning up. In many cases, we spend so much time in our familiar kitchen space that we don’t pay much attention to what it

In the wide world of kitchen décor, the sink is rarely a star. Sandwiched between the granite countertops and the kitchen backsplash, it is perhaps the last thing homeowners think about. But

https://ace.rismedia.com/ace2-branded/?id=458878&src=rismedia.com&ref=Preview&e_id=V2FyQy9oYjFNMXNkZHJXL3dFSE0yZz09;

According to the U.S. Food and Drug Administration (FDA), this country’s food supply is among the safest in the world. However, certain bacteria and pathogens can contaminate food and cause

Whether it’s a big talk with the boss, a deep process with your partner or breaking some hard news to your folks, communication is hard when the stakes are raised. Below are three tips to help

Kids seem to outgrow everything. Toys, stuffed animals and, of course, clothes can all seem a little too old or small for children as they grow up.Clothes can be especially difficult to deal with

It’s summer–the season to fire up the grill, fill up the cooler, and invite family and friends over for a picnic or other get-together in your home’s yard. To stay safe and keep

Want to brighten up a room but don’t have the time to paint or the budget to add a window?Consider the following easy fixes:Hang a mirror. Hang a mirror (or lean a large one against a)

Whether it’s cleaning out the basement, writing a report for school or work, or getting personal finances in order, nearly all of us have something lingering on our to-do list that we just

If you want your money to work for you, there are two main ways to achieve this goal: saving and investing. Knowing which option to choose is critical if you want your money to work the hardest.Here

If you have or plan to have children and you’re shopping for a new home, one of the most important deciding factors will likely be the number of bedrooms. While many parents seek out homes

It’s easy to get excited about the idea of working out but soon find yourself feeling discouraged and overwhelmed. Having the right mindset and realistic expectations can help you succeed at a

Good nutrition is essential for children’s health, but countless parents struggle to get their kids to eat right. For many families, mealtime is a frequent source of conflict and power

One of the most popular rooms in any household is the family room, and we spend much of our time there watching television. And things are vastly different from a generation ago when Mom, Dad and

For most people, there’s no denying that salt is tasty. The sodium-rich ingredient excites our palates and adds flavor to bland food. But too much of a good thing can be bad.According to

Like the generation it’s named for, millennial pink is all around us. It’s a fun, daring, sophisticated hue that isn’t exactly new, but lately seems to have caught the eye of

If you’re planning to step up your barbecue game, a new grill can make all the difference and turn your backyard into the best place for family and friends to hang out under the sun.Here are

We’ve all been there: guests are scheduled to arrive in 15 minutes, but you got caught up, and the house is still a mess. Here are seven ways to fake that clean home, fast:All hands on deck.

Many parents are raising children with a large age difference, which presents a series of unique benefits and challenges. Understanding how your kids are feeling, communicating clearly and making

Food waste is a major issue in households across the U.S. Too often, we unintentionally buy or cook more food than necessary and then decide to throw out the extras. Reducing food waste not only

   As a parent, you’ve undoubtedly thought about your child’s college education—no matter what their current age is. And if you’re planning on paying their way, or

Most everyone knows a healthy diet is important for a healthy body. But eating the right foods every day might be easier said than done–especially with so much tempting junk food available! If

Canceling a credit card that you rarely use or have paid off can feel good. It can give you a sense of accomplishment while lightening your wallet and giving you one less bill to worry about. It,

Canceling a credit card that you rarely use or have paid off can feel good. It can give you a sense of accomplishment while lightening your wallet and giving you one less bill to worry about. It,

Parents contributing to a 529 college savings plan may find it difficult, if not a little time-consuming, to transfer cash and checks that their children receive on their birthdays, Christmas and

No matter the reason, neglecting to pay your federal student loans can result in a slew of negative consequences, from bill collectors knocking at your door to a big drop in your credit score. It

Auto insurance rates typically rise for senior citizens, who can be more accident-prone than they were in middle age with slower reflexes, changes in hearing or vision, and health conditions that

Protecting your identity online requires more than just ignoring spam emails from unknown senders, especially when it comes to using WiFi. Whether at home or in public, most people nowadays use

A cellphone bill is an expense almost everyone has to pay each month. Even if you set up automatic payments to make paying it easier, it’s still money you have to come up with monthly&mdash

If you’re always short of cabinet and counter space, it’s time to declutter your kitchen. But that’s a chore that seems to get relegated to “someday.” According to

While world peace is a great idea, if you want to add a touch of calm to your life, begin with your bedroom. Your room isn’t merely the place to rest your head, it’s where you wake, and

Cash can be a popular present for children when birthdays or other celebrations roll around throughout the year. But instead of letting your youngster splurge on candy or other impulse buys, set

If you’ve been making on-time payments on an auto loan for a year or more, it may be a good time to consider refinancing the loan so that you can lower your monthly payments.Refinancing&

If you’re like most college graduates, odds are you left school with more than a degree and fond memories: You probably racked up student loan debt.For many Americans, this debt totals tens of

If you’re looking to organize and store items in your garage, then you need to have a plan. The last thing you want is to not have enough room to park your own vehicle in your garage.Here are

With the endless demands of work, school, errands, housework and extracurricular activities, it can be difficult for family members to find time to sit down, relax and talk to each other. But

So a babe is on the way? Congrats! Along with the chaos of, well, everything that is to come, your finances are about to experience an upheaval, as well. According to the U.S. Department of

You rely on the HVAC system to keep your house at a comfortable temperature year-round. It can be easy to take it for granted until a problem arises, and you come home to a freezing house in the

 If it sounds too good to be true, it probably is. And when it comes to money, these words may be hard to remember if someone is offering a financial return that sounds too good to pass up

Putting money in a Health Savings Account, or HSA, can help you and your family pay for health expenses now and in the future, while giving you a tax break for your contributions.HSAs have been

As any homeowner knows, the living room is a major focal point of the home. From family gatherings throughout the year to sitting back and watching TV together at the end of a long week, the living

Many Americans struggle to manage credit card debt. If you have accumulated high balances, either because of overspending or because of circumstances beyond your control, you’re likely feeling

The entrance of your home says a lot about your character, from interior design to overall aesthetics. Below are some helpful tips for making sure your space wows you and your guests every time.Kill

Insurance is necessary to protect you from financial ruin, but it can be expensive. If you own a home and a vehicle, you might be able to save a substantial amount of money by bundling your policies

When you were a kid, adults probably told you to drink lots of milk in order to grow up big and strong. Granted, it might not make you Superman or Wonder Woman, but the calcium found in milk and

Being an entrepreneur has many benefits that are worthwhile skills to teach children. Being your own boss can give you control over your future, as well as provide self-confidence, accomplishment,

Are your closets overflowing with pictures and other framed goods that would undoubtedly look much better hung in a prominent location than hardly ever seeing the light of day? Hanging pictures is a

Insurance is necessary to protect you from financial ruin, but it can be expensive. If you own a home and a vehicle, you might be able to save a substantial amount of money by bundling your policies

Identity theft affects millions of Americans every year, with thieves draining people’s bank accounts, destroying credit scores and even ruining reputations. Unfortunately, many victims aren

If you can find a lower mortgage rate than the one you already have, then refinancing a mortgage can make sense. Here are some of the best ways to get a low rate:Raise Your Credit ScoreFor a

Food is a major expense in any household, and for those on a tight budget, a few dollars saved can make a big difference. ChooseMyPlate.gov offers 10 tips based on planning and smart shopping to

Having an emergency fund to help pay for an unexpected car repair, hospital visit, or other financial emergency is a smart financial move, but finding money to sock away each month is easier said

You rely on the HVAC system to keep your house at a comfortable temperature year-round. It can be easy to take it for granted until a problem arises, and you come home to a freezing house in the

Did you know that laundry machines are among the costliest appliances in your home to operate because of their high energy usage? Given that many families clean multiple loads of clothes every week,

Haggling may not be one of the funnest things you’ll do on any given day, but if you’re anywhere near good at it, you can save hundreds or thousands of dollars a year.For people who don

To avoid late fees and a possible increase in your credit card interest rate, make at least the minimum payment on your credit card bill each month. The minimum due will change from month to month,

Want to master scallopine? Write a best-seller? Play the violin like a virtuoso? You can learn the basics from world-class connoisseurs without ever having to leave home.Through the online magic of

Asphalt is a popular choice for paving driveways. It’s an environmentally-friendly material that can be recycled and is unlikely to cause damage to vehicles. Asphalt also lasts for decades and

Want to quit smoking tobacco? There’s good reason to. Quitting smoking reduces your risk of cancer, heart disease and other illnesses. And let’s face it: Smoking is expensive, so kicking

Fees can eat away at your money if you don’t keep on top of your banks enforced regulations. U.S. consumers paid $15 billion in overdraft fees in 2016, according to the Consumer Financial

We’ve all experienced it: The phone rings and you don’t recognize the number, but you answer anyway. The voice on the other end of the line is cheerful, knows your name, and starts

According to leading home designers, bathrooms today should be more than utilitarian spaces. They are increasingly treated as cozy oases intended to comfort and pamper.If that’s your goal,

A debit card is a smart way to shop if you want to avoid using a credit card that will charge you interest if you don’t pay the balance in full each month. But because a debit card is directly

According to House Beautiful gardening experts, shrubs can be the stars of any garden because the plants do it all–attract pollinators, create screening and privacy, and offer brilliant

Your online identity is probably worth a lot to you. To thieves, not so much.For $1,170, a thief can illegally buy the entirety of the average person’s stolen personal information on the dark

Federal student loans are often the first step for students looking for help paying for college.While they’re not the only type of loan available for college students, they’re the most

Building good credit in college is one of the best financial moves students can make. Having good credit allows them to qualify for loans, rental applications, auto insurance, phone plans and can

If you’re a fan of that rustic look, or just love to feature beautiful wood in your space, then your home may already be covered with hardwood floors below, exposed beams above and wood

Buying life insurance can seem like a difficult and expensive endeavor if you haven’t done it before. Both can be overcome if you have a good insurance agent.Here are nine ways to save on life

Are you looking to add spice to your home cooking, but not heat? Here are five interesting flavors to try, while sparing your mouth from fire.Cumin. With a mild, earthy flavor, cumin goes great

Using a credit card to earn rewards is pretty simple. Just use the card to buy things and you’ll get cash back or reward points from your credit card company.Getting that free money of 5

Compromise is an important part of marriage. From deciding how much to spend on a new living room set to what to watch on TV tonight, compromise is constant.It can also be a big part of retirement

Small bathrooms with limited storage space make it tough to stow all the stuff you use daily and still keep the space looking tidy. Check these smart solutions discovered by Good Housekeeping

Driving TipsMinimize idling your car by turning off your engine when your vehicle is parked for more than 10 seconds. Idling can use a quarter- to a half-gallon of fuel per hour, depending on engine

A problem with the electrical wiring, an outlet, or the circuit breaker or fuse box in your home needs to be taken seriously. An unaddressed electrical issue could spark a fire that could engulf

For $600 or so a year, plus a service fee of around $75 every time you ask for repair, a home warranty can be an inexpensive way to have peace of mind as a new homeowner. Yet, sometimes you may have

Getting ready to walk down the aisle? Congratulations! As you prep for your new life together, it’s important to talk about the big stuff. While hopefully you’ve cleared some topics

If you have a basement, whether finished or unfinished, you’ll likely encounter problems at some point. Basements are notorious for water-related issues that can affect the condition of the

Did your toddler scribble on the walls? Or perhaps a year or two of wear and tear have your interior paints looking less than pristine. If your walls could use a little TLC, but you’re not

Puttering in the garden is an age-old hobby pursued for several reasons; it can keep you fit, provide food and flowers, and help you live in a more beautiful world. Experienced gardeners say

A cleaning binge or a simple walk through your house can turn up all kinds of items that you may want to toss in the garbage. Throwing them away, however, could be like throwing money away.With a

For many people, adopting an eco-friendly lifestyle is high on the list of worthwhile efforts. For others, it’s all about stashing cash. Consumer editors at Good Housekeeping Magazine;

The Environmental Protection Agency estimates that the average American generates nearly 4.5 pounds of trash on a daily basis, more than half of which goes to a landfill.If you’re looking to

No matter what you’re saving for, having some extra breathing room in your budget is important. Whether you’re putting money away for a down payment or a new car—or looking to

Between work, family, social lives and hobbies, it can be easy to forget to take care of ourselves. Below are a few things you can do to safeguard your physical and mental health:Call a FriendWhile

Each year, fires destroy homes and cause serious injuries and deaths all across the country. While many of these events are preventable, it’s important to take into consideration the fact that

Carrying cash is becoming less common these days, which can be a nuisance for parents and their children—especially when it comes to paying children their allowance each week.For many parents,

The offer of a zero-interest credit card can look enticing when it arrives in the mail. Who doesn’t want to avoid paying interest on credit card charges?As with most things in life, there are

Smart home technology is advancing beyond telling your phone or internet-enabled device to play music and look up sports scores.Smart thermostats, lightbulbs, plugs, locks and doorbells are

Making eco-friendly changes in the way we live may be easier than you think. Real Simple Magazine lists 10 little tips that can go a long way toward living a “greener” lifestyle:Start

A debit card can be your worst enemy when it comes to identity fraud.Credit and debit card fraud totaled $4.5 billion in 2016, according to a report by iovation, a provider of digital

If you’ve ever noticed a rise in interest rates in the news or saw your credit card bill get a little higher, there’s one federal agency that you can look to: the Federal Reserve Board

A backyard can be an excellent place to let your kids and pets play and to entertain guests, but it could also be filled with hazards. One trip or a curious child or pet could lead to an accident

Improving your credit can take time, often many months. But there are some things you can do to raise your credit score quickly, even if only by a few points.Pay Bills on TimePayment history is the

Small drones, also known as unmanned aerial vehicles, have become increasingly popular among hobbyists, kids and even businesses. Flying a drone can be fun, but it can also become an insurance

It can take years for a new, more energy-efficient refrigerator or other major appliance to pay for itself in savings on a utility bill. If that’s the path you want to take, this Energy Star

While some couples opt to keep things separate, sharing a credit card can help when it comes to streamlining household money management. But it isn’t always easy. Whether you add someone to

U.S. military members have access to some great benefits that can go a long way toward making their financial lives (and those of their family) a lot better.Here are some of the best financial

According to the National Kitchen and Bath Association, granite countertops are in less demand today, while the use of quartz is on the rise.Why? For one thing, man-made quartz countertops are

The typical credit card charges about 16 percent interest per year on balances, effectively adding $16 to each $100 in expenses that are left on a credit card. Some charge as much as 29 percent if

Looking to kick the caffeine? While a moderate amount of the buzzy stuff has been shown to have heart benefits, it’s easy to overdo it or find yourself addicted to that morning jolt. If you

If you need help paying some bills or taking care of your family, the government can sometimes help. Many state and federal programs exist to help not just low-income families, but people of varying

A long soak in a bubble-filled tub can feel like heaven after a hard day at work—and soaking in a bath that feels like a spa can elevate that happy relaxation. Here’s how you can elevate

Raising a family means dealing with laundry, cooking, cleaning and other chores. Parents often feel overwhelmed and struggle to get their kids to help out, but it doesn’t need to be that way

Looking for space to store your things at home?Everything you own is competing for space in your house. Everyday items, such as clothes and exercise equipment, along with seasonal things like pool

While no one ever wants to imagine their home filling with water, for many areas of the country, flooding is a scary reality for many homeowners. Whether a natural disaster is on the way or you

A cash-back credit card can result in 5 percent or more back on your purchases, essentially giving you a small discount for everything you buy with a credit card.But that perk can cost you some

Between your desk job, your social media accounts and your nightly Netflix-a-thon, those hours in front of a screen really stack up. Too much time in front of a screen can seriously damage your

If your child has a Social Security number, they can become a victim of identity theft.With a clean credit history, a child’s Social Security number can be more valuable to a thief than an

Rain, the bride falling into a pool, a wedding cake falling over, and deposit money that’s lost because the venue went out of business a week ago.What do all of these have in common? They;

A credit card’s mobile app can give you immediate access to your account, making it easier to track purchases, make payments, review monthly statements, report a lost card and view rewards,

Cutting down on energy use is great for the environment. It can also save you big bucks. Alternative energy proponent IGS Energy suggests four green and easy ways to do both:Minimize ;

Paying for something with a credit card instead of cash can be easier for a number of reasons. While it can be difficult to find an ATM when you need it, carrying around a lot of cash can be

Studies have shown that looking at certain colors can impact your mood, so if you’re looking to brighten your days, look at the walls.OrangeThis color boosts social connection, so paint a wall

Best Practices for a Healthy SmilePracticing proper oral hygiene is essential for preventing cavities and gum disease, which can lead to pain, tooth loss and other health issues. Maintaining good

A pet can become a beloved member of the family and a source of fun and companionship for everyone, but especially for children. If you’re planning to have a new pet join your family, the

No matter how complex your computer password is, it isn’t enough to stop a thief from using other methods to steal your personal information if they find or steal your computer.A strong

A poor credit score can affect people in many ways. It can make it difficult to get approved for a mortgage or other type of loan, and can lead to paying higher interest rates on those loans and on

Mold inside a house can cause serious health problems, including sinus irritation, congestion, headaches and respiratory difficulties. The health effects of mold are more serious in children,

Checking your credit report consistently for fraudulent activity may not be enough to protect your personal information and thus your credit score. What will help are three tools that are common in

Owning a home is infinitely rewarding but issues do pop up, and there’s no need to call a handyman every time something goes haywire. The home repair experts at HGTV suggest four

If you’re handy around the house, the thought of tackling a variety of home improvement projects with your own two hands might have crossed your mind a time or two.But before you dig into a

Children are often oblivious to the many dangers around them. Accidents in the home are a leading cause of injury and death among children. Here are a few ways to childproof your home and keep your

From buying auto insurance to filing a claim, figuring out the language of auto insurance can be difficult. Why is your insurance agent recommending “gap insurance” and are “OEM

Credit card rewards can be a free way to travel and get cash back for your daily expenses.But if you’re not paying your credit card bill in full when it arrives, then you’re paying

Whether you like a rustic, industrial or mod look in your space, the next time you’re considering an interior redesign, don’t miss out on decorating with wood.FloorsIf you can, wood

While you might be considering adding heated flooring to your new home, there are a lot of questions to ask before you put your money into this luxury feature. If you’re looking for another

If you’ve just graduated from college, this is the perfect time to establish smart financial habits. With hopefully a full-time job awaiting, this is the time to establish habits you’ll

Ask any jeweler how much money you should spend on an engagement ring and they’ll likely give you the jewelry industry’s long-standing rule of thumb—three month’s salary.The

To stop a criminal from using your personal information to open a credit card in your name, start by preventing lenders from checking your credit unless you first unfreeze your information.Even if

As a young parent, you may just be learning about all the responsibilities parenthood requires. When it comes to financial planning, setting your sight on the future can help immensely.Demolish.&

Scrutinizing a bill from your health care provider or insurer is probably one of the last things you want to do after getting out of the hospital, but it can pay off.Medical bill errors should be

A late payment on a credit bill or other debt such as a mortgage can have a significant impact on your credit score. And the higher your credit score is to begin with, the more it can fall after a

The foundation provides support for your entire house, so keeping it level and in good condition is critical to the protection of the entire structure and the safety of your family. A foundation can

Looking to add some of your own personal chicness to your bathroom? Below are a few ways you can add a little oomph to your powder room.Climbing plants. Climbing vines indoors can add a jungly,

Home safety is an important, even life-saving topic that you should teach your children about at an early age. If you educate your children on basic home safety principles when they’re young,

Does your fridge feel like a disaster zone whenever you open it? Does it have a lingering odor with a source you can’t quite find? Below are a handful of hacks to keep your fridge fresh and

One third of American homes today house residents over the age of 60, and 90 percent of those residents would prefer to stay in their homes as they age for as long as humanly possible, a study by

Like most homeowners, you probably have your water heater strapped down and you flush out the gutters every spring. But there are many other tips that make a big difference in terms of both safety

FYI-From the National Museum of the American Indian website;Many students learn the phrase, "In 1492, Columbus sailed the ocean blue". But Columbus was not the first foreign explorer to land in the

Found money is a gift. And with the internet, it’s easier than ever to find it.Unclaimed assets may be sitting somewhere in your name, waiting for you to find and claim them. With some simple

Wood floors are a top choice for modern homeowners. Proponents believe they offer warmth as well as elegance, but they do require care to maintain their luster and are costly. Fortunately, say

Reading books to your children is fun, and one of the great joys of parenthood is watching them learn to read by themselves.Lessons about personal finance and how money works can be included in

You just bought a new dishwasher, TV, tablet, refrigerator or other big-ticket item you’ve been wanting for months. The salesperson, or maybe even the cashier, asks if you’d like to add

If you have a sign in your front yard warning burglars that you have a home alarm system in place, you could be attracting a new breed of scammer. That’s the warning from the consumer

Having a student loan payment each month as a college graduate leaves little room in the budget to contribute to a retirement savings account.College grads without student loans are much more likely

A good-looking houseplant adds pizzazz to your home. It can also be the next best thing to a live-in housekeeper, says John VanZile, author of Houseplants for A Healthy Home, out in May.That’s

Most homeowners have weather-stripped their doors to maximize climate control, and have switched out traditional incandescent light bulbs with eco-friendly CFL models. Short of installing double

Having all of your family’s money in one bank account can make keeping track of your money easier, but it might not help your family meet its financial goals.Instead of one big fund for

Fixing a few of your home’s most likely trouble spots can improve energy efficiency and save you a bundle on utility bills. Consumer editors at ThisOldHouse.com provide a starting

Victims of identity theft or fraud may feel they don’t have many options to protect themselves. An easy stopgap, however, is to place a fraud alert on your credit report.A fraud alert can be

Are you looking for out-of-the-box decorating ideas for your space? Below are a handful of interesting accent ideas to up the creativity of your interior design.Hanging accent lights. Caged,

State-sponsored 529 accounts are a tax-free way to pay for a child’s college education. Opening an investment account when they’re young and contributing to it regularly and basically

any people struggle to pay off credit card debt. Interest that accumulates each month can make it difficult to make a dent in balances. Juggling multiple credit cards with different minimum payments

Saving for a home, retirement, a vacation or anything else can be difficult.The median retirement savings of all working-age families in the United States is $5,000, according to the Economic Policy

Most of us spend a lot of time in the kitchen, preparing meals and cleaning up. In many cases, we spend so much time in our familiar kitchen space that we don’t pay much attention to what it

Having a child can require many adjustments. Losing sleep and changing dirty diapers are just some of the things parents have to deal with. And even though you’re probably a little sleep

When preparing to batten down the hatches during a storm, don’t forget to pay attention to your furry family members. Loud, unpredictable noises and an uptick of electrical currents in the air

Do you have a room in your house that always seems dark no matter what? Perhaps it’s due to low ceilings or minimal windows. Maybe the walls are painted a darker color than you would like.

Trying to munch more veggies on the reg, but sick of salads and steamed sides? Below are a handful of simple ways you can up your veggie count with ease.Blend them. If you’re a smoothie

No matter how much of a critter lover you may be, pests in your kitchen is never fun. But many consumers are also disinclined to spread poison all over their culinary arena. Below are a handful of

If you’ve got a problem with credit card debt, there might be a simple solution that’s already sitting in your wallet or purse — a $20 bill.Having cash in your pocket may seem

In the age of apps, there’s more to preserving the masterpieces your children create than just sticking them on the refrigerator.Eventually, the magnets will slip and something that’s

Some people are overwhelmed by the idea of preparing their own meals, while others are tired after work and stop at a restaurant or order takeout for convenience. Cooking at home is a better choice,

If you’re buried in credit card debt, there’s a reasonable solution that your credit card company may allow you to use, but only if you ask about it.A hardship plan, also known as a

The national average rate on a 30-year mortgage eased this week to the lowest level in 15 months, providing slight relief for home shoppers navigating a brutal housing market. The rate fell to 6.46%

Technology seems to mutate with the speed of light, but is your home keeping up with the changes? Smarten it up with a few smart-home electronics that will boost safety, increase comfort and may

A good night’s rest helps you have a good day, not to mention stay healthy and alert. But if your mattress no longer gives you the proper comfort and support, it could mess with the many

Programmable thermostats let you set the temperature in your home and have the thermostat change it based on the time of day. What makes them ‘smart’ is that they can learn from your

If you want to make an important purchase but do not currently have the money, you don’t necessarily have to put things on hold. If you own a house and have been paying your mortgage for

Millennials are applying for credit cards more than most age groups, but they’re not qualifying for them, according to consumer behavior data by ID Analytics, a consumer risk management firm

If you’re revamping your interior design scheme, you may be considering a new color palette. Should you go with earthy hues? Vibrant jewel tones? Cool blues and grays? Below are five ways to

Social media is just that—social. And a big part of it is sharing photos when you’re out celebrating something, such as your birthday.However, these two things—photos of yourself

The fine print at the end of a credit card offer letter can tell a consumer a lot more about how good—or bad—the offer is than the main area of the marketing letter, where flashy photos

How FICO 9 May Increase Credit ScoresHow medical debt and other collection items are tallied in a credit score is changing, potentially increasing the credit scores of millions of people.Called the

You’ve heard the warnings about global warming, you feel compassion for stranded polar bears and you worry about overwhelming the landfills. As a homeowner, you may not be ready for,

Unauthorized credit inquiries are a sign that someone has fraudulently applied for credit in your name. They can hurt your credit score and make your financial life more difficult until they&rsquo

For many of us, mom’s ‘use-it-up, make-it-last, wear-it-out’ mantra was our introduction to thriftiness—a traditional value that has largely been kicked to the curb due to a

Everything old is new again, and that goes for decorating with color. While the last decade in home décor has largely been defined by white and varying shades of beige and gray, today’s

While we all know water is essential for our health, not all of us enjoy chugging those recommended eight daily glasses. Or maybe it’s your child who refuses to drink plain old water. Below

A common phone call that new credit cardholders get from their bank is an offer for credit card add-on products, such as protection against fraud and identity theft. Payment protection is another

Flooding can occur anywhere and at any time of the year. Even if you do not live near a body of water, you could still be at risk. Hurricanes strike large portions of the country every year or a

Feel like you’re stuck in a creative rut? Need to spark your imagination and develop something new? Thinking creatively is no easy task, and many of us find ourselves at a loss when our brains

It may seem like there’s always something going on as a homeowner, from silencing a squeaky hinge to unclogging a temperamental toilet. But many household problems can be easily fixed without

Completing chores teaches children responsibility and makes them feel like they’re important contributors to the family. Parents sometimes don’t ask their kids to help out because they

A credit card is one of the main ways to build credit. By using a credit card wisely and not running up huge bills and paying them off in full on time, consumers can improve their credit score. A

Looking to dress your windows with something other than curtains? The following ideas are fun, great for creative expression and relatively inexpensive.Screens. These thin, partially

When couples move in together, conflicts and disagreements frequently arise around the issue of sharing a bathroom. Spouses and partners need to search for space to store their toiletries, makeup,

A good way to be 29 forever! All kidding aside: Other than your Social Security number, birthdays are one of the worst things to share online when registering for an account. If you’ve

Each year, thousands of children across the U.S. fall from windows and suffer serious injuries or death. Falls are most common among toddlers, who are curious and don’t recognize the potential

The average student loan debt for a college graduate in 2016 was $37,172, according to Forbes. That’s a lot of debt to be saddled with when starting a career. However, you can help your

Keeping track of every single dollar you spend can be difficult, no matter how closely you track your spending and monitor your bank accounts. Automatic payments from your checking account to pay

Animals and insects seek out shelter, food and water wherever they can find them, and sheds are often their best option. Pests will squeeze through small holes or make their own to get into a shed.

Conflicts are an inevitable part of life. We have all encountered situations in which someone said or did something that offended us, hurt our feelings, or made us feel misunderstood or.

Want to brighten up a room but don’t have the time to paint or the budget to add a window?Consider the following easy fixes:Hang a mirror. Hang a mirror (or lean a large one against a)

People love coffee. Many adults start their day off by drinking it, and some swear they can’t even function without first downing a cup (or three) of the beverage to get a caffeine-fueled.

It’s summer–the season to fire up the grill, fill up the cooler, and invite family and friends over for a picnic or other get-together in your home’s yard. To stay safe and keep

No one wants to be reminded by their bank that using a credit card too much is a bad idea. It’s a rule of thumb that everyone knows, but often avoids because a credit card is a major

Improving your credit score can take a few months. So if you’re looking to get an auto or home loan, or want to apply for a new credit card, an early start can give you time to raise your

Are you the type of person who likes to take their flower garden indoors? Indoor plants do more than simply add color to your space; they can also improve the mood of those who live with them. If&

We all have stress in our lives. Busy days at work, problems at home, traffic jams and money trouble are prime examples of stressful situations. However, chronic stress can lead to serious health

Like the generation it’s named for, millennial pink is all around us. It’s a fun, daring, sophisticated hue that isn’t exactly new, but lately seems to have caught the eye of

Saving money can be difficult, and sometimes your frame of mind can hold you back. Here are some negative thoughts to overcome:I Don’t Make Enough Money to SaveYou are more than likely wrong

Your purse or wallet can be more than just a place to pull your money out of so you can spend it. It can also store a few things to remind you to use less money, or at least use it well.Here are

Are you thinking about getting a pet? Owning and taking care of an animal is a huge commitment filled with responsibilities and expenses. Some pets more so than others. Although you or a family

Sponges are a kitchen staple, but a clean sponge can spread grime all over your eating space. How often should you clean your sponge, and how should you do this? Don’t just trash a sponge when

A garage is an excellent place for storage, but things are often put there and forgotten. This can result in a disorganized mess that makes it difficult to find room for vehicles and other important

Every home has one: a junk drawer. Although these drawers can be useful for storing miscellaneous items, the problem with them is that they have the funny habit of becoming overrun with, well, junk

Teaching your child about money by giving them a piggy bank or having them earn an allowance by doing household chores is a great start to learning about how to earn and save money.Spending wisely,

Are you planning a nursery for a babe-on-the-way? Whether you’re waiting to learn the baby’s gender, or are hoping to choose a more neutral color than the typical blue and pink, consider

The average college graduate in 2016 had $37,172 in student loan debt, according to the website Student Loan Hero. That’s a lot of money to pay off after graduation.Paying it off should be as

Few household maintenance routines pay off better than checking out your central air conditioning unit before the hot weather sets in. Preparing the unit for heavy duty now will not only save on

Getting kids to eat their veggies can be hard to navigate–especially if you hope that they’ll eventually enjoy them. Thankfully, giving children the opportunity to love new vegetables is

How Seniors Can Save on Car InsuranceAuto insurance rates typically rise for senior citizens, who can be more accident-prone than they were in middle age with slower reflexes, changes in hearing or

We’ve all heard the potential dangers of cholesterol, but what is it and how can we help manage it?As HealthFinder.gov explains, cholesterol is a waxy substance that’s found naturally in

If you plan to repaint your interiors this year, don’t forget to pick a hue that will positively impact your mood. While bright red or neon green may be fun, they can subconsciously create

Quality wood furniture can last a lifetime and is often a treasured heirloom, passed down through multiple generations. Still, even the highest-quality wood is susceptible to scratches and abrasions

Nearly every home has one. Unfit for furniture, yet too conspicuous to leave bare, it’s the dreaded blank wall–dun, dun, dun!Do you need inspiration to tackle this design disaster? These

The insurance industry is lobbying Congress next week. Make sure Congress hears from you. Major insurers are putting our climate and financial well-being at risk.Will you tell Congress to not let

No matter the reason, neglecting to pay your federal student loans can result in a slew of negative consequences, from bill collectors knocking at your door to a big drop in your credit score. It

One hundred years ago last May, President Woodrow Wilson signed the first congressional resolution and presidential proclamation calling upon all citizens to display the national flag in honor of

Most everyone knows a healthy diet is important for a healthy body. But eating the right foods every day might be easier said than done–especially with so much tempting junk food available! If

Everybody blows a little money now and then, but some people make it a habit. To help you take control of your finances and keep more cash on hand, financial advisors suggest diligently avoiding

If time is precious to you, and making time for doctor visits is problematic, you may be considering concierge medicine—sometimes called direct primary care—a service for which patients

Commercial-grade cleaners may make your home sparkle, but many have chemicals that can be hazardous. If you want to clean your home using natural products, try using vinegar, a non-toxic agent, in

Stainless steel appliances give a renovated kitchen that pop it needs, while stainless steel cookware makes for a durable product that never disturbs flavors yet guarantees a balanced heating of

An attic can be an ideal storage space, but if it’s not organized, it can turn into a total mess. If you’ve lived in your house for several years, chances are your attic has gotten

Just like picking paint and furniture, it’s important to spend time choosing the best plants for your interior space. Not only should you be considering the care your new plant friends will

Do you find it tough to roll out of bed every morning? Are you yawning, feeling groggy and chugging cups of coffee throughout the day? News flash: You probably aren’t getting enough sleep

Fresh herbs make any dish pop. They’re the perfect addition to any meal and add a dynamic flavor while keeping your food as healthy and nutritious as ever. An outdoor herb garden may not be an

Children are often victims of identity theft for two reasons: They have a clean identity that probably hasn’t been used much and can be exploited in many ways, and there’s often a large

The kitchen is one of the busiest rooms in any household. It’s where meals are cooked and families eat, and also a place to play fun games or just talk.The foodie craze is changing the way we

Self-employment has a lot of perks, but one drawback is the lack of a company-sponsored retirement plan. If you work for yourself, you can explore these other options to prepare for retirement

You nailed the job interview and got offered the position–woohoo! Landing a new gig is exciting, but when it comes down to talking about money, some people feel uncomfortable. You don’t

Emails are effective, instantaneous forms of communication, but it’s important to be careful of what you send and who you send it to. From a simple “joke” shared with a colleague

If you’re in the market to make home updates, consider replacing your existing materials with sustainable alternatives. Eco-friendly home selections are good for the environment and your bank

April 11, 1968, was a landmark date for the U.S. real estate industry—it was the day when President Lyndon B. Johnson signed the Fair Housing Act, which made discrimination in housing

Starting college is full of all kinds of new experiences. Students are left on their own for probably the first time in their lives, and it can be daunting.Using a credit card can be one of those

Fire extinguishers can save lives and property, but many people might not know how or when to use the protection devices, according to the U.S. Fire Administration. To help ensure you’re

The average length of retirement in the United States is 18 years, according to the U.S. Census Bureau.How do retirees pay for those 18 years? Retirement plans vary, though most people

Hoppy Easter! This delightful springtime holiday filled with candy, chocolates, and good company is right around the corner. Break up your routine eats this year with this traditional Italian Easter

Want to make your Easter egg-cellent? Or perhaps you want to add a little egg-citment to your hunt? Gone are the days of boring single colored eggs! Bring a little life to your egg decorating this

If you’re interested in building a custom home, you’ve probably given a lot of thought to the number of bedrooms and the interior layout. You might not have weighed the pros and cons of